Hi there,

I have a £8.5k debt with PRA from 2005 and requested a CCA last month. They responded stating that the amount was unenforceable as they couldn't find the original credit agreement.

I responded with a 10% offer to close the account stressing that it was unenforceable...

I saw a comment on a thread (forgot which one), saying that Experto had gone into liquidation. I have looked at their website and the liqiodators statement of what to do if they were handling repayments etc, and one of the things on there was basically not to SAR Experto as the liquidators will not...

Hi

I was told about how helpful AAD is this week and even after just half a hour looking around that seems like an understatement! Could anyone help with this enquiry please? As general background I have multiple credit card accounts; all defaulted between Sept 2009 and June 2010; all are...

Hi, I'm new on here so hopefully I'm posting in the right place!

I received standard letters from PRA Group on behalf of Verde Experto requesting payment or offering settlement terms for a credit card I'd originally taken out with MBNA in 2002.0 I have simply been ignoring all of them....

Hi all anybody had any dealings with this lot at PRA GROUP BUCHANAN CLARK AND WELLS HAVE RETURNED IT TO THEM funny I ain't heard of them before

Hi Guys,

GlobalC here writing from sunny and hot Asia! As some of you may remember I sold up and moved to Asia 3 months ago. On the day i got on the plane I posted a letter to all my creditors explaining that I no longer live in the UK and could no longer afford payments. I left them with...

A while ago I had to re-register here to gain access the the secure threads. I used the same user name but I can't find my old RBS threads. I'd like to post on them because I've had a grovelling apology/reply from Apex who want to send me a consolation gift. It's not a summons lol, RBS already have...

Hi

My husband and I received letters for local solicitor acting on behalf of PRA Group (UK) Ltd demanding payment for MBNA credit cards x 3 (total debt = 8.5k)

Income/Expenditure form attached for completion.

Threatening legal proceedings will be issued without...

August 2006. I opened the account and did a balance transfer to RBS of £5.5k.

I defaulted over a year ago and have received the usual letters from Green & Co, Moorcrofts, Midas and Fredericksons etc.

14th August 2013. Bryan Carter Solicitors issued a summons.
15th...

EGG
Interest frozen, defaulted 2006/7.

Name: Egg

Type: loan

Date commenced: 2005

Approx balance: £14,018.07

Date last paid: 1st May 2013

Arrangement: not paying now previously token payments via dmp
Status:...

Hello!

Just wondering if any cross-referencing goes on (as far as people know) with DCAs when they're "administering" more than one of your accounts for different creditors at the same time? Or whether they're to be thought of as being completely separate?

I'm guessing...

Good evening everyone,

Posting on behalf of Mrs Baker.

In December 2010, she sent a Section 78 request to Experto Credite re an MBNA credit card debt that had been defaulted. They replied, saying they would contact the original creditor. They then wrote again, saying the...

Lloyds TSB

Type of account - Personal Loan

Date commenced - Sept 2005

Approx balance - Approx £12,000

Date last full payment - July 2009

Are you on arrangement or not paying - was paying £1 pcm, stopped Oct 2012

Status...

Requested CCA from this friendly bunch and they have just sent a letter back saying they have returned matter to their client, on the date of my request letter.

Coincidence?

Can anything be drawn from this?

Hi Friends, newbie here so apologies for any inexperienced errors. Have an old MBNA debt that has been with EC for some years. Have been making regular monthly payments.

EC were hassling heavily by telephone and had a flurry of unwarranted default notices. I wrote several times to have...